Lexus GS 350 Insurance Rates

The average insurance prices for a Lexus GS 350 are $1,262 every 12 months with full coverage. Comprehensive costs an estimated $270 each year, collision costs $466, and liability costs around $390. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing around $2,728. Teenage drivers cost the most to insure at $4,708 a year or more.

Average premium for full coverage: $1,262

Policy rates broken down by type of insurance:

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and GS 350 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

The examples above demonstrate why all drivers should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details estimated Lexus GS 350 insurance rates for other coverage scenarios.

• The best discount rate is $725
• Using higher $1,000 deductibles will save approximately $170 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,262
• Using low deductibles for physical damage coverage increases the price to $1,582
• High-risk insureds who are prone to accidents and violations could pay up to $2,728 or more
• Policy cost to insure a 16-year-old driver can cost as much as $4,708 or more

View Chart as Image

Insurance rates for a Lexus GS 350 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $490 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can be from 45% to 133% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Lexus GS 350 insurance prices. A driver around age 40 might see rates as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,700 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Cheap Lexus GS 350 Insurance

Finding cheaper rates on insurance for a Lexus GS 350 requires not taking risks behind the wheel, having good credit, not filing small claims, and taking advantage of discounts. Spend time shopping around at every other renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following is a quick review of the concepts that were touched on above.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,470 more annually for GS 350 insurance
• Teens are charged the highest rates, as much as $392 each month if they have full coverage
• You may be able to save approximately $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• You may be able to save approximately $150 per year simply by quoting online in advance